Warren County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.43, -84.17.
Assembled 2026-10-19. Read the brief.
- 87th pct · 396th of 3,063 US counties · median $230,451
- 97th pct · 3rd of 88 Ohio counties · median $218,478
- 100th pct · 1st of 15 counties in the Cincinnati metro · median $286,827
- 35th pct · 1,981st of 3,062 US counties · median +2.9%
- 10th pct · 79th of 88 Ohio counties · median +3.9%
- 7th pct · 14th of 15 counties in the Cincinnati metro · median +2.9%
- 80th pct · 260th of 1,358 US counties · median $1,506
- 98th pct · 2nd of 55 Ohio counties · median $1,340
- 100th pct · 1st of 8 counties in the Cincinnati metro · median $1,498
- 90th pct · 299th of 3,221 US counties · median 8,232
- 90th pct · 9th of 88 Ohio counties · median 20,657
- 78th pct · 4th of 15 counties in the Cincinnati metro · median 14,828
- 89th pct · 323rd of 3,221 US counties · median $1,039
- 94th pct · 6th of 88 Ohio counties · median $1,081
- 78th pct · 4th of 15 counties in the Cincinnati metro · median $1,184
- 74th pct · 789th of 3,063 US counties · median 4.2
- 90th pct · 9th of 88 Ohio counties · median 3.7
- 64th pct · 6th of 15 counties in the Cincinnati metro · median 5.2
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $407,863 (Sep 2026), +1.6% over one year, +27.3% over five
- 87th pct · 396th of 3,063 US counties · median $230,451
- 97th pct · 3rd of 88 Ohio counties · median $218,478
- 100th pct · 1st of 15 counties in the Cincinnati metro · median $286,827
| Item | Value | Distance |
|---|---|---|
| Warren County, OH | $407,863 · +1.6% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,949/mo (Sep 2026), +1.8% over one year; price-to-rent 17.4
- 80th pct · 260th of 1,358 US counties · median $1,506
- 98th pct · 2nd of 55 Ohio counties · median $1,340
- 100th pct · 1st of 8 counties in the Cincinnati metro · median $1,498
| Item | Value | Distance |
|---|---|---|
| Warren County, OH | $1,949/mo · +1.8% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $2,259 a month on $407,863 at 7.40%, against an average weekly wage worth $6,110 a month: 37.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $407,863 × 80% = $326,290, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,259/mo principal and interest
- wage share = payment / (avg weekly wage $1,410 × 52 / 12 = $6,110) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $407,863 / ($1,410 × 52) = 5.6
- price-to-rent = $407,863 / ($1,949 × 12) = 17.4
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
99,800 jobs at 6,573 employers (2026 Q1); +0.3% jobs and +3.1% average weekly wage over the year
- 90th pct · 299th of 3,221 US counties · median 8,232
- 90th pct · 9th of 88 Ohio counties · median 20,657
- 78th pct · 4th of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Warren County, OH | 99,800 jobs · $1,410/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 13,162 | $1,627 | 1.64 | -0.8% |
| Health care and social assistance | 13,008 | $1,167 | 0.87 | +0.8% |
| Retail trade | 11,588 | $743 | 1.19 | +1.6% |
| Accommodation and food services | 9,758 | $446 | 1.09 | +3.7% |
| Management of companies | 6,798 | $3,666 | 4.07 | -11.0% |
| Professional and technical services | 5,243 | $1,895 | 0.76 | -3.9% |
| Wholesale trade | 4,418 | $2,077 | 1.16 | -1.9% |
| Construction | 4,250 | $1,581 | 0.81 | -1.2% |
| Transportation and warehousing | 3,770 | $996 | 0.90 | -0.1% |
| Administrative and waste services | 3,680 | $1,129 | 0.65 | +2.1% |
| Arts, entertainment and recreation | 3,652 | $568 | 2.22 | +1.2% |
| Finance and insurance | 3,147 | $2,550 | 0.77 | +10.6% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$5.7 bn in deposits at 68 offices of 19 banks (SOD June 2026); HHI 1,323, moderately concentrated. $1.4 bn federal obligations in FY2026 (direct payments $1.3 bn, contracts $77.5 m), $14,161 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $1.5 bn · 26.3% share · 9 offices | |
| LCNB National Bank | $737.5 m · 12.9% share · 10 offices | |
| The Huntington National Bank | $663.0 m · 11.6% share · 6 offices | |
| Warren, OH | $1.4 bn FY2026 · $14,161/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $1,511,006,000 | 26.3% | 9 |
| LCNB National Bank | $737,460,000 | 12.9% | 10 |
| The Huntington National Bank | $662,995,000 | 11.6% | 6 |
| U.S. Bank National Association | $623,223,000 | 10.9% | 5 |
| PNC Bank, National Association | $516,689,000 | 9.0% | 4 |
| JPMorgan Chase Bank, National Association | $461,878,000 | 8.1% | 5 |
| First Financial Bank | $310,795,000 | 5.4% | 3 |
| Peoples Bank | $202,259,000 | 3.5% | 7 |
| 1st National Bank | $195,953,000 | 3.4% | 5 |
| KeyBank National Association | $123,941,000 | 2.2% | 2 |
Deposit concentration is 1,323 across 19 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 19 banks with deposits in the county = 26.3² + 12.9² + 11.6² + … (16 more) = 1,323
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
That is $14,161 per covered job, against 99,800 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.4 bn / 99,800 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,161
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Warren County, OH: 15 findings, 15 noted
noteWarren County, OH's average weekly wage was 3.1% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +3.1 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteWarren County, OH's covered employment was 0.3% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.3 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteWarren County, OH's typical home value rose 0.3% from $406,678 in August 2026 to $407,863 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (407863.0680095386 - 406677.93737698597) / 406677.93737698597 × 100
- 407863.0680095386 = Zillow ZHVI, 2026-09
- 406677.93737698597 = Zillow ZHVI, 2026-08
noteWarren County, OH's typical home value of $407,863 ranks 1st of 15 counties in the Cincinnati metro, against a median of $286,827.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 15 counties in the Cincinnati metro that published home.latest
position among the entities that published this metric this period; not an official level
noteWarren County, OH's typical asking rent of $1,949 ranks 1st of 8 counties in the Cincinnati metro, against a median of $1,498.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 8 counties in the Cincinnati metro that published rent.latest
position among the entities that published this metric this period; not an official level
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.